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Breast cancer is one of the most common cancers among women in the US, accounting for about 1 in 3 new cancers in women each year.1 Understanding how breast cancer works can help you prepare financially in case of a diagnosis. Aflac offers supplemental cancer insurance that can help you cover unexpected expenses you incur after a covered diagnosis. Read on to learn what breast cancer is, how it spreads and how cancer insurance may help.
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Breast cancer is a disease that occurs when cells in the breast tissue begin to grow uncontrollably.2 It often starts in the milk-producing glands or the ducts that carry milk to the nipple. While breast cancer most commonly affects women, men can also develop the disease.3
Cancerous cells may form tumors or lumps in one or both breasts, though not all breast lumps are cancerous. Even so, it’s important to ask your doctor to evaluate any lumps, changes or abnormalities.
Breast cancer can start when abnormal cells in the breast multiply and form a tumor. Some tumors are benign, which means they aren’t cancerous. Malignant tumors, however, are cancerous and may grow into nearby tissue or spread to other parts of the body.
Breast cancer may begin in different parts of the breast, such as the ducts, lobules or surrounding tissue.
Breast cancer can spread when cancer cells move beyond the original tumor. They may spread to nearby lymph nodes first.
If cancer cells enter the blood or lymphatic system, they can travel to other parts of the body, such as the bones, lungs, liver or brain. Breast cancer that spreads to other areas of the body is called metastatic breast cancer.4
Don’t wait until it’s too late. Protect yourself and your family with coverage from Aflac.
Get StartedThere are several types of breast cancer. Doctors classify them based on where they originate, whether they have spread and how the cancer cells behave.
The most common types include:5
Treatment of breast cancer depends on the type, stage and tumor size, as well as your biomarkers, overall health and personal preferences.
Treatment of breast cancer often includes a combination of the following therapies:6
Many breast cancer treatments may have good insurance coverage through your primary health insurance. Even so, many patients still face high out-of-pocket costs.
Supplemental cancer insurance can help provide additional financial support after a covered cancer diagnosis. Depending on your policy, your benefits may help cover costs related to treatment, transportation, lodging and everyday expenses.
Some benefits of getting supplemental cancer insurance include:
Thanks to modern medical advances, many patients recover from breast cancer and go on to live active lives.8 If you ever receive a diagnosis, it helps to have a supplemental cancer insurance plan in place.
Aflac offers supplemental cancer insurance with affordable coverage options. Our plans may help cover your preventive screening mammograms, treatment expenses and continuing care costs. Chat with an Aflac agent today to learn more and get a quote.
Get Started
Cancer insurance can help you pay for cancer-related costs your health insurance doesn’t cover. Learn more about whether insurance covers cancer treatments.
Supplemental health insurance covers what your normal health insurance plan may not. Learn more about the types of supplemental health insurance plans available to you.
1 American Cancer Society. Key Statistics for Breast Cancer. Updated June 24, 2026. https://www.cancer.org/cancer/types/breast-cancer/about/how-common-is-breast-cancer.html. Accessed October 5, 2026.
2 CDC. Breast Cancer Basics. Updated on April 16, 2026. https://www.cdc.gov/breast-cancer/about/index.html. Accessed October 5, 2026.
3 National Breast Cancer Foundation. Myth: Men do not get breast cancer; it affects women only. Updated on March 3, 2026. https://www.nationalbreastcancer.org/breast-cancer-myths/men-do-not-get-breast-cancer-it-affects-women-only/. Accessed October 5, 2026.
4 BreastCancer.org. Metastatic Breast Cancer. Updated September 4, 2026. https://www.breastcancer.org/types/metastatic. Accessed October 5, 2026.
5 National Cancer Institute. Types of Breast Cancer. Updated on December 2, 2025. https://www.cancer.gov/types/breast/breast-cancer-types. Accessed October 5, 2026.
6 Mayo Clinic. Breast cancer. Updated September 1, 2026. https://www.mayoclinic.org/diseases-conditions/breast-cancer/diagnosis-treatment/drc-20352475. Accessed October 5, 2026.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent/producer.
Aflac coverage underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.
Cancer/Specified-Disease: B70000 series: In Delaware, Policies B70100DE, B70200DE & B70300DE. In Idaho, Policies B70100ID, B70200ID, B70300ID, B7010EPID, B7020EPID. In Oklahoma, Policies B70100OK, B70200OK, B70300OK, B7010EPOK, B7020EPOK. A75000 series: In Virginia, policies A75100VA–A75300VA.
Other coverage is underwritten by Tier One Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908).
Cancer/Specified-Disease: In Delaware, Policy T70000. In Idaho, Policy T70000ID. In Oklahoma, Policy T70000OK. Not available in New York or Virginia.
Cancer insurance is also known as specified disease insurance in some states.
Coverage/plan levels may not be available in all states, including but not limited to DE, ID, NJ, NM, NY, VA or VT. Benefits/premium rates may vary based on state and plan levels. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions.
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